Are your ETFs stepping on each other? Calculate your real overlap in 10 seconds.
Holding three different ETFs does not mean being diversified. Uncover hidden duplicates, your true mega-cap tech concentration, and the fees you are paying for nothing.
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What our inventory scanner reveals about your portfolio
Most brokers only display ticker symbols. Investminder breaks down the largest positions of each fund — up to 15 holdings, covering 20 % to 70 % of assets depending on the product — to surface the imbalances.
Global Overlap Rate
A major portion of your capital is invested twice in the exact same equity baskets.
61 %
Top 5 Look-Through Exposure
Thought you owned around 1,450 companies? In reality, 25.5 % of your capital rests on just 5 stocks — the ones listed below.
25.5 %
Weighted management fees
Your fees are compared with 0.15 % per year, the level of a low-cost core index ETF. On the reference portfolio they come to 0.30 %.
0.30 % / an
The illusion of diversification is expensive
The vast majority of retail investors believe they reduce risk by adding popular ETFs. Financial mathematics prove the exact opposite.
The False Sense of Security
Combining an MSCI World, an S&P 500, and a Tech ETF feels like creating a bulletproof portfolio. In reality, you are tripling your bet on the exact same Silicon Valley giants without adding any downside protection.
The Classic Rebalancing Trap
Discovering this imbalance often pushes investors to sell overlapping positions. Big mistake: in taxable accounts, selling triggers immediate capital gains taxes (up to 30 %) and transaction fees that wipe out years of compounding interest.
Forced Selling vs Cash-Flow Rebalancing
Traditional Method (Selling)
✕Selling positions = Immediate tax hit on gains
✕Brokerage and execution fees on every transaction
✕Exiting the market and disrupting compound interest
Investminder Method (Fresh Savings)
✓Zero selling = 0 € in taxes triggered
✓Gradual dilution of duplicates through regular monthly savings
✓Compound growth remains uninterrupted while reaching target weights
Correct portfolio drift monthly without selling.
Investminder never forces you to liquidate winning assets. Our engine determines how to allocate your monthly savings to naturally correct drift and return your portfolio to its target allocation.
Instant Account Sync
Connect your investment accounts in 2 minutes through certified read-only Open Banking APIs (Powens & SnapTrade). Zero manual entry.
Precise Buy Instructions
Simply enter your monthly deposit amount (e.g. €300 or €1,000). Investminder tells you the exact asset to buy to restore balance without mental math.
Disciplined Execution
No speculative trading calls. Pure mathematical rebalancing that protects your tax status and respects your time.
Ready to clean up your ETF portfolio?
Join smart investors who automate their monthly allocation while avoiding duplicates and tax drag.
Start rebalancing on Investminder100 % secure read-only bank connectionFAQ & Technical Details
Everything you need to know about our calculation methodology and security.
Investminder uses read-only European banking protocols. We never see your login credentials and have no permission to execute orders or move funds.
This is precisely where the tool is most valuable: it prevents unnecessary portfolio bloat over the years and guides every monthly deposit.
Instead of selling winners to buy losers (which incurs taxes and fees), our algorithm allocates 100 % of your new monthly deposit to the lagging asset until target weights are restored.
Yes. For swap-based ETFs, we analyze the constituents of the benchmark index they replicate (e.g. MSCI World, S&P 500), since that is the economic exposure driving your portfolio risk.